LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,632
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,456
−HK$1,853/mo
Today · 4.125%
HK$62,309
baseline
▲ 0.50% · 4.625%
HK$66,100
+HK$3,791/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,618/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,227
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,977
−HK$1,774/mo
Today · 4.125%
HK$68,751
baseline
▲ 0.50% · 4.625%
HK$72,375
+HK$3,624/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,502/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,358
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,547
−HK$2,223/mo
Today · 4.125%
HK$74,770
baseline
▲ 0.50% · 4.625%
HK$79,320
+HK$4,550/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,540/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,273
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,372
−HK$2,130/mo
Today · 4.125%
HK$82,502
baseline
▲ 0.50% · 4.625%
HK$86,850
+HK$4,348/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,004/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,085
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,638
−HK$2,594/mo
Today · 4.125%
HK$87,232
baseline
▲ 0.50% · 4.625%
HK$92,540
+HK$5,308/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,464/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,318
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,767
−HK$2,485/mo
Today · 4.125%
HK$96,252
baseline
▲ 0.50% · 4.625%
HK$101,325
+HK$5,073/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,504/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,537
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,820
−HK$3,335/mo
Today · 4.125%
HK$112,155
baseline
▲ 0.50% · 4.625%
HK$118,980
+HK$6,825/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,310/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,409
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,558
−HK$3,194/mo
Today · 4.125%
HK$123,752
baseline
▲ 0.50% · 4.625%
HK$130,276
+HK$6,524/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,504/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,795 · Scale 2, in force from 26 Feb 2026)